Payroll · head to head
Refyne vs SalaryFits
Refyne
Payroll
Earned wage access for Indian employers, with a per withdrawal convenience fee
- From
- On request
- Rated
- -
SalaryFits
Payroll
Brazilian employee benefits and earned wage access app, owned by Serasa Experian since 2024
- From
- Free
- Rated
- -
The short version
- Only SalaryFits has a free tier, so it costs nothing to try first.
- Each has a real cost: Refyne the employee pays a convenience fee on every withdrawal and Refyne does not publish the schedule, so an HR buyer approving it as a free benefit is approving a cost that lands on the lowest paid staff.; SalaryFits it only operates in Brazil, tied to Brazilian payroll and labour law, so it is not an option for any multinational benefits programme outside that market.
- They diverge on capability: Refyne covers Payroll and attendance integration, SalaryFits covers Discount club.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Refyne and SalaryFits actually diverge.
| Attribute | Refyne | SalaryFits |
|---|---|---|
| Starting price | On request | Free |
| Pricing model | quote | Free for employers, fees apply to advances and loans |
| Free tier | No | Yes |
Identical on both: platforms (Web, iOS, Android), user rating (Not yet rated), category (Payroll).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Refyne
- Payroll and attendance integration
- Employer policy controls
- Instant withdrawal
- Automatic payroll recovery
- Employee app
- Employer dashboard
- Savings and insurance add ons
- Multi entity support
Only in SalaryFits
- Discount club
- Earned wage access
- Payroll-deduction loans
- Financial marketplace
- Zero employer cost
- Serasa credit integration
What people use each for
The jobs each tool is most often brought in to do.
Refyne
- A manufacturer with high attrition among shift workers who leave over payday cash gapsnot SalaryFits
- A staffing company wanting a retention benefit that costs the employer little to deploynot SalaryFits
- An employer replacing informal salary advances processed manually by finance every monthnot SalaryFits
- A large retail or logistics operator standardising early wage access policy across many sitesnot SalaryFits
SalaryFits
- A Brazilian employer wanting a zero-cost benefit to add discount and advance access for staffnot Refyne
- An HR team wanting earned wage access without building payroll advance infrastructure in housenot Refyne
- A company wanting to offer payroll-deduction credit access underwritten with bureau-grade datanot Refyne
- An employer consolidating several point benefits into one branded app for staffnot Refyne
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Refyne
- The employee pays a convenience fee on every withdrawal and Refyne does not publish the schedule, so an HR buyer approving it as a free benefit is approving a cost that lands on the lowest paid staff.
- A flat fee on a small withdrawal a few days before payday is expensive when annualised, which means the product can be more costly per rupee than the informal advances it replaces.
- Because usage generates revenue, the provider's incentives favour higher withdrawal frequency, which runs against the financial wellbeing framing used to sell it internally.
- It depends on accurate live attendance and payroll data, so employers with monthly batch payroll or unreliable attendance capture get conservative accrual limits that frustrate employees.
- Earned wage access in India sits in an unsettled regulatory space between payroll advance and credit, and a Reserve Bank of India view that reclassifies it would change the product for existing customers mid contract.
SalaryFits
- It only operates in Brazil, tied to Brazilian payroll and labour law, so it is not an option for any multinational benefits programme outside that market.
- Ownership by Serasa Experian, a credit bureau, puts consumer credit data and workplace financial wellness in the hands of the same company, which some employees and employers may view as a conflict of interest.
- Salary advances and payroll loans carry real fees and interest even though the base app is free to the employer, so the actual cost to employees is not zero despite the marketing framing.
- As with any earned wage access product, heavy reliance on advances can mask underlying pay adequacy problems rather than solve them, and repeated use signals financial distress that a purely additive benefit narrative does not capture.
- Independent, English-language documentation and support are thin, since the product and its support model are built around Brazilian Portuguese speaking employers and employees.
Pricing, plan by plan
Refyne
On request- Refyne for employers$undefined/year
- Employer cost quoted per customer and often nil
- Employees pay a flat convenience fee on each withdrawal
- No interest charged, but the per withdrawal fee is not published
SalaryFits
Free- SalaryFitsFree
- No employer subscription cost
- Discount club free to employees
- Salary advance and consigned loan fees apply per transaction
Which should you pick?
Choose Refyne if
- You need payroll and attendance integration.
- You work on Web, iOS, Android.
- You also want employer policy controls.
Choose SalaryFits if
- You need discount club.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want earned wage access.
Questions people ask
- Is Refyne or SalaryFits better?
- Neither clearly leads. Refyne starts at On request and SalaryFits at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Refyne or SalaryFits?
- SalaryFits has a free tier; the other does not. Paid plans start at On request for Refyne and Free for SalaryFits.
- Does Refyne or SalaryFits run on more platforms?
- Both run on Web, iOS, Android, so platform support will not decide this one for you.
- Can I use SalaryFits for free?
- Yes. SalaryFits has a free tier, so you can try it without paying. Refyne starts at On request.
- What is Refyne best used for?
- Refyne is most often used for a manufacturer with high attrition among shift workers who leave over payday cash gaps, a staffing company wanting a retention benefit that costs the employer little to deploy, an employer replacing informal salary advances processed manually by finance every month, a large retail or logistics operator standardising early wage access policy across many sites. Of those, a manufacturer with high attrition among shift workers who leave over payday cash gaps and a staffing company wanting a retention benefit that costs the employer little to deploy are not what SalaryFits is typically brought in for.
- What can Refyne do that SalaryFits cannot?
- Refyne covers Payroll and attendance integration, Employer policy controls, Instant withdrawal, Automatic payroll recovery. SalaryFits covers Discount club, Earned wage access, Payroll-deduction loans, Financial marketplace.
Answered from the vendors’ own pages
Refyne: Does the employee pay to withdraw?
Yes. There is no interest, but a flat convenience fee is deducted per withdrawal. Get the exact schedule in writing before rollout.
SalaryFits: Is SalaryFits still an independent company?
No. It was acquired by Serasa Experian, with the deal approved by Brazil's CADE antitrust authority in 2024, and now operates as part of that group.
Refyne: Does the employer pay anything?
Often little or nothing, which is precisely why the cost sits with the worker. Employers who want a genuinely free benefit must negotiate to absorb the fee.
SalaryFits: Does it cost the employer anything?
The base discount club and app access are free to employers; advances and payroll loans carry fees and interest paid by employees.
Refyne: Is this a loan?
It is structured as access to already earned wages recovered at payroll, not as lending, but the regulatory classification in India is not fully settled.
SalaryFits: Does it operate outside Brazil?
No, it is built specifically for the Brazilian market.
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